Risk factors

Brown & Brown (BRO) risk factors

Item 1A of every Brown & Brown, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

  • FY2025 10-K risk factors
    42 risks6 new2 dropped11 reworded

    The company completed the acquisition of Accession, significantly increasing debt to $7,613 million and adding underwriting and captive insurance risks.

    Filed Feb 12, 2026
  • FY2024 10-K risk factors
    38 risks

    This is Brown & Brown's initial risk disclosure file, featuring thirty-eight specific operating risks.

    Filed Feb 13, 2025